Thanks for the great responses.
As a guitar and keyboard player for over 30 years (who also studied music theory in school for several years), I could follow he entire thread. And yes there could be many answers to my original question.
The song I'm attempting to chart is Silver Blue by John David Souther.
The song is clearly in F (until it modulates to G)
Here is a video of it.
http://www.youtube.com/watch?v=6QAPYc1WHm8
He plays an F chord with the third sting open to a G and then fingers the A. I'd call that an Fsus2 > F
Then he plays an F chord with the second string open to a B and then fingers the C. That's what I'm trying to annotate without having to tab it. It's just shorthand for me to practice the song.
In the context of the F that is resolves to, I figured I'd name it an F-something.
And I understand the point you shouldn't have a # in a flat key such as F.
For simplicity's sake, I settled on charting it as: Fsus2 F Fadd#11 F
Since Bb is the 11th tone of the scale and it is sharped in this instance.
In any event, I now know what to play when I see that on paper, even if it possibly isn't the most correct name for the chord.
Now that you've seen it in context, what is your best name for it?
I will check back in a few days.
Thanks again for all the time and thought in the responses posted.